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There are two main kinds of international plastic cards. /…/ first kind is travel and entertainment
card such as American Express, Diner’s Club and Carte Blanche. /…/ second kind is Visa or
Mastercard credit card which has different local names in each country. In Britain /…/ former is
called Barclaycard and /…/ latter is called Access.
Both sorts of cards can be used in many hotels, restaurants and shops worldwide. When /…/
cardholder pays /…/ bill, /…/ details are written on /…/ sales voucher, which /…/ cardholder signs.
/…/ shop or restaurant gives /…/ top copy to /…/ customer, sends /…/ copy to /…/ finance
company and keeps /…/ copy. /…/ finance company pays /…/ shop /…/ amount of /…/ bill, but
takes off /…/ small percentage charge. For example, if /…/ bill is $60, /…/ finance company takes
off 5% and pays /…/ shop $57. /…/ finance company sends every cardholder /…/ statement each
month with details of all /…/ transactions in that month.
Travel and entertainment card accounts must be paid in full every month. Credit cardholders do not
have to pay their accounts every month, but they must pay a minimum amount of $5 or 5% of the
bill (whichever is greater). Then /…/ outstanding balance, plus interest, is written on /…/ next
statement.
Cardholders pay for travel and entertainment cards ( /…/ annual subscription for both American
Express and Diner’s Club is $17.50), but credit cards are free in Britain.
In Britain some credit cards are also cheque cards. Barclaycard guarantees cheques drawn on
Barclays Bank and Access guarantees cheques drawn on /…/ National Westminster Bank.